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Arkansas Car Insurance for Bad Credit Drivers
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Edited by John Leach | Reviewed by licensed insurance agent, Amber Benka
Last Updated March 9, 2022
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Cheapest Companies for Drivers With Bad Credit in Arkansas (2022)
For drivers with bad credit in Arkansas, it's important that you evaluate all of your potential insurance options to ensure you are finding the best rate. Comparing the right insurance companies will allow you to get the best possible insurance rate for drivers with bad credit.
To simplify comparing companies, Insurify has analyzed rates from top insurance providers in Arkansas. The following are the best insurance rates from carriers that offer car insurance for drivers with bad credit in Arkansas.
| Carrier | Avg. Monthly Cost |
|---|---|
| Direct Auto | $145 |
| Dairyland Insurance | $155 |
| Jupiter Auto | $167 |
| Safeco Insurance | $177 |
| Hallmark Insurance Company | $190 |
| Nationwide | $200 |
| Liberty Mutual | $213 |
| American Family Insurance | $221 |
| Midvale Home & Auto | $229 |
| The General | $244 |
Bad Credit Car Insurance in Arkansas
Having bad credit can limit your ability to borrow money. It also helps determine how much you pay for car insurance. There are a few states that prohibit car insurance companies from taking a driver's credit history into account when determining rates, but Arkansas is not one of them. Drivers with bad credit in Arkansas can expect a credit check when they attempt to get car insurance. A poor credit score won't prevent you from getting coverage, but it may force you to pay more for it.
Arkansas Car Insurance Rates for Bad Credit Drivers
Excellent$188
Good$210
Average$211
Poor$229
Insurify's comparison tool will help you make sure you're getting the best possible quote even with a bad credit rating. You can have peace of mind you're not paying any more than need to, and customers save $48 per month on average.
How Much Does Bad Credit Impact Car Insurance Rates in Arkansas?
Drivers with bad credit pay a little less than three percent more on car insurance than average in Arkansas. Insurers will look at factors such as your total debt and payment history to determine your insurance credit score and your risk level, according to the Insurance Information Institute. Car insurance companies do this to calculate the chances that you will file a future claim. Your insurance credit score is just a portion of what determines your car insurance rate. Your driving record and claims history also factor into how much you pay.
Although drivers with bad credit in Arkansas don't pay that much more for car insurance, it's still worth maintaining good credit to keep your costs low.
Avg. Monthly Cost - for Drivers with Good Credit$200
Avg. Monthly Cost - for Drivers with Bad Credit$205
$5 ▴
2.50% ▴
Monthly Impact of Bad Credit on Rates
Percent Bad Credit Impact Rates
Can I Get Car Insurance With No Credit Check in Arkansas?
There are car insurance companies that won't check your credit as you try to get coverage. It's not always the best idea to buy a policy from one of these companies, however. The trade-off for not going through a credit check is you may end up paying more for your car insurance than you would with a standard car insurance company. It might be worth it to go through the credit check if it means paying less for your car insurance.
Whether you wind up with a policy with or without a credit check, get quotes from multiple companies to help you find the best price.
Arkansas Car Insurance Rates by Credit Tier
Drivers with excellent credit pay the least per month for car insurance in Arkansas, as expected. What's more surprising is just $1 separates the average monthly car insurance cost for Arkansas drivers with good and average credit.
| Credit Tier | Avg. Monthly Cost |
|---|---|
| Excellent | $188 |
| Good | $210 |
| Average | $211 |
| Poor | $229 |
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Car Insurance Rates With Bad Credit in Arkansas Cities
Arkansas drivers with bad credit will find that car insurance isn't inexpensive, regardless of where they live. Fort Smith has one of the lowest average monthly insurance rates at $157. Jonesboro's average monthly insurance rate for drivers with poor credit is a little less than $200, and rates go up from there.
| City | Credit Tier | Avg. Monthly Cost |
|---|---|---|
| Little Rock | Poor | $243 |
| Hot Springs National Park | Poor | $210 |
| Fort Smith | Poor | $158 |
| Jonesboro | Poor | $194 |
| North Little Rock | Poor | $234 |
| Benton | Poor | $232 |
Tips for Researching Bad Credit Arkansas Car Insurance Rates
Insurance prices and policies can vary significantly between companies, and a state like Arkansas draws a wide variety of choices when factoring insurance rates for drivers with bad credit.
Insurify's rate comparison tool will help you make sure you're getting the best possible quote based on your needs and location. You can have peace of mind you're not paying any more than you need to, and customers save $585 per year on average.
Compare Top Auto Insurance Companies
Use Insurify for all of your car insurance comparison needs! Compare and connect directly with the top insurance companies to find the best rates as well as the most personalized discounts and coverage options. Insurify’s network includes over 200 insurance companies throughout the U.S. who can work with you to get you the right auto insurance policy at the cheapest price. See All Auto Insurance Companies
FAQs - Arkansas Car Insurance
There are many different factors that go into the how expensive your car insurance is. That said, some of the reasons why you could be paying so much for your insurance include: living in a state with high minimum insurance requirements, being a young or new driver, committing past traffic offenses like at-fault accidents or DUIs, and having a low credit score.
Auto insurance costs will vary between locations and insurance carriers, depending on the county Arkansas. Insurify analyzed the latest data for the five most populous cities in Arkansas to find you the cheapest quotes in each of these metropolitan areas.
The way to find the carrier with the best auto insurance ratings in Arkansas and save on your insurance premiums is to compare quotes from all companies in your area. Use a car insurance quotes comparison site like Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts. Rates can fluctuate greatly based on whether you're a safe driver or a high risk one, but you should never overpay. Insurify provides the cheapest car insurance quotes and companies in your area in just a few seconds.
During the past three years in the United States, national premium costs have risen an average of 4.5 percent annually. In states where quotes have risen, this figure has been 7.8 percent; and in those where rates have fallen, prices have decreased by approximately 6.0 percent. Individual rates by state will of course vary depending on the driver’s history and a multitude of factors.
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Data scientists at Insurify analyzed over 40 million auto insurance rates across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. With these insights, Insurify is able to offer drivers insight into how their car insurance premiums are priced by companies.
Insurance Writer
Joe Dyton has been a professional writer since 1999. He's been writing about the auto insurance industry for 15 years and was an in-house marketing copywriter for GEICO for a decade. Learn more about Joe at joedyton.com.
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